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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $24,844 | $98,766-74.8% | $149,730-83.4% | $79,852-68.9% |
| Participation rate | 67.7% | 75.8%-8.0pp | 82.5%-14.7pp | 69.6%-1.9pp |
| Annual return | 20.98% | 27.43%-6.5pp | 276.70%-255.7pp | 31.72%-10.7pp |
| Employer contribution / active EE | $1,109 | $3,217-65.5% | $4,645-76.1% | $2,471-55.1% |
| Participant deferral / active EE | $3,625 | $5,681-36.2% | $6,843-47.0% | $3,740-3.1% |
| Admin fee / account holder | $2,757 | $6,052-54.5% | $9,310-70.4% | $5,306-48.0% |